Oportun Financial Corp (OPRT) - Net Assets
Based on the latest financial reports, Oportun Financial Corp (OPRT) has net assets worth $390.10 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($3.26 Billion) and total liabilities ($2.87 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check asset resilience ratio of Oportun Financial Corp to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $390.10 Million |
| % of Total Assets | 11.97% |
| Annual Growth Rate | 6.38% |
| 5-Year Change | -35.4% |
| 10-Year Change | N/A |
| Growth Volatility | 26.66 |
Oportun Financial Corp - Net Assets Trend (2016–2025)
This chart illustrates how Oportun Financial Corp's net assets have evolved over time, based on quarterly financial data. Also explore Oportun Financial Corp (OPRT) total assets for the complete picture of this company's asset base.
Annual Net Assets for Oportun Financial Corp (2016–2025)
The table below shows the annual net assets of Oportun Financial Corp from 2016 to 2025. For live valuation and market cap data, see Oportun Financial Corp market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $390.10 Million | +10.26% |
| 2024-12-31 | $353.81 Million | -12.51% |
| 2023-12-31 | $404.40 Million | -26.15% |
| 2022-12-31 | $547.60 Million | -9.32% |
| 2021-12-31 | $603.88 Million | +29.41% |
| 2020-12-31 | $466.63 Million | -4.53% |
| 2019-12-31 | $488.77 Million | +41.04% |
| 2018-12-31 | $346.55 Million | +59.90% |
| 2017-12-31 | $216.73 Million | -3.06% |
| 2016-12-31 | $223.56 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Oportun Financial Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 16571300000.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $8.00K | 0.00% |
| Other Components | $617.39 Million | 158.27% |
| Total Equity | $390.10 Million | 100.00% |
Oportun Financial Corp Competitors by Market Cap
The table below lists competitors of Oportun Financial Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
NORTHERN OCEAN LTD.
F:4JO
|
$216.75 Million |
|
Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée
PA:CRAV
|
$216.78 Million |
|
Camuzzi Gas Pampeana SA
BA:CGPA2
|
$216.78 Million |
|
Changsha Kaiyuan Instruments
SHE:300338
|
$216.81 Million |
|
Turtle Beach Corporation
NASDAQ:TBCH
|
$216.67 Million |
|
Akmerkez Gayrimenkul Yatirim Ortakligi AS
IS:AKMGY
|
$216.58 Million |
|
PTC India Financial Services Limited
NSE:PFS
|
$216.58 Million |
|
Victory Supermarket Chain Ltd
TA:VCTR
|
$216.40 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Oportun Financial Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 353,809,000 to 390,100,000, a change of 36,291,000 (10.3%).
- Net income of 25,200,000 contributed positively to equity growth.
- Other factors increased equity by 11,091,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $25.20 Million | +6.46% |
| Other Changes | $11.09 Million | +2.84% |
| Total Change | $- | 10.26% |
Book Value vs Market Value Analysis
This analysis compares Oportun Financial Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.70x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has increased from 0.59x to 0.70x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2016-12-31 | $9.67 | $5.73 | x |
| 2017-12-31 | $9.82 | $5.73 | x |
| 2018-12-31 | $15.71 | $5.73 | x |
| 2019-12-31 | $45.42 | $5.73 | x |
| 2020-12-31 | $17.07 | $5.73 | x |
| 2021-12-31 | $19.91 | $5.73 | x |
| 2022-12-31 | $16.68 | $5.73 | x |
| 2023-12-31 | $10.97 | $5.73 | x |
| 2024-12-31 | $8.77 | $5.73 | x |
| 2025-12-31 | $8.15 | $5.73 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Oportun Financial Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 6.46%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 3.95%
- • Asset Turnover: 0.20x
- • Equity Multiplier: 8.35x
- Recent ROE (6.46%) is above the historical average (-1.00%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2016 | 22.75% | 18.33% | 0.29x | 4.29x | $28.50 Million |
| 2017 | -4.71% | -2.83% | 0.30x | 5.61x | $-31.88 Million |
| 2018 | 35.61% | 23.71% | 0.30x | 5.02x | $88.74 Million |
| 2019 | 12.60% | 12.25% | 0.23x | 4.50x | $12.72 Million |
| 2020 | -9.66% | -11.46% | 0.20x | 4.31x | $-91.74 Million |
| 2021 | 7.85% | 8.20% | 0.20x | 4.88x | $-12.97 Million |
| 2022 | -14.20% | -10.60% | 0.20x | 6.60x | $-132.50 Million |
| 2023 | -44.50% | -39.11% | 0.13x | 8.44x | $-220.39 Million |
| 2024 | -22.24% | -14.75% | 0.17x | 9.12x | $-114.06 Million |
| 2025 | 6.46% | 3.95% | 0.20x | 8.35x | $-13.81 Million |
Industry Comparison
This section compares Oportun Financial Corp's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $3,603,214,276
- Average return on equity (ROE) among peers: 5.89%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Oportun Financial Corp (OPRT) | $390.10 Million | 22.75% | 7.35x | $216.72 Million |
| Affirm Holdings Inc (AFRM) | $3.07 Billion | 1.70% | 2.63x | $16.59 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $1.27 Billion | 14.01% | 20.49x | $1.63 Billion |
| Federal Agricultural Mortgage Corporation (AGM-A) | $992.48 Million | 10.95% | 23.54x | $137.84 Million |
| AIOS Tech Inc. (AIOS) | $211.13 Million | 2.74% | 0.29x | $3.53 Million |
| Ally Financial Inc (ALLY) | $13.90 Billion | 4.80% | 12.80x | $12.59 Billion |
| Antalpha Platform Holding Co (ANTA) | $202.32 Million | 9.14% | 10.90x | $210.67 Million |
| Atlanticus Holdings Corporation (ATLC) | $447.87 Million | 1.31% | 0.16x | $958.76 Million |
| American Express Company (AXP) | $15.32 Billion | 19.49% | 10.42x | $219.50 Billion |
| Bread Financial Holdings, Inc. (BFH) | $362.39 Million | -5.88% | 2.92x | $3.31 Billion |
| Credit Acceptance Corporation (CACC) | $248.99 Million | 0.60% | 3.48x | $5.39 Billion |
About Oportun Financial Corp
Oportun Financial Corporation provides financial services in the United States. The company offers personal loans and credit cards. It serves customers through online and over the phone, as well as through retail and Lending as a Service partner locations. The company was founded in 2005 and is headquartered in San Mateo, California.